You can live your values every day with a Verity checking account. With three different accounts to choose from, each with their own unique benefits, you can find the one that fits you, your values, and your lifestyle.
Features of checking accounts at Verity
- Overdraft protection
- Free debit card with access to 30,000+ ATMs nationwide
- Access to Shared Branching network
- Digital Banking access, either from desktop or using the mobile app
Check out the chart below to see which account will be best for you.
| Cash Back Checking | Cartwheel Checking | Verity Checking | |
|---|---|---|---|
| Benefit | Cash back | Interest-bearing | Basic |
| Minimum balance requirements | None | None | None |
| Maintenance fees | None | None | None |
| Unlimited ATM fee refunds* | |||
| Earn interest* | |||
| Receive cash back* | |||
| Open Cash Back Checking Now | Open Cartwheel Checking Now | Open Verity Checking Now |
You have a choice in where you bank
Verity is a local credit union that believes in socially responsible banking. We’re part of a movement working to create stronger, healthier, more sustainable communities because we believe a financial institution can do good. When you bank with Verity, your money helps make positive impacts in our vibrant communities. Rather than investing in Wall Street, about 90% of our deposits are used to invest in the local economy and members through loans, whether it’s a loan for an eco-friendly car, or adding a tiny home to your backyard.
Why Verity?-
Cash Back Checking
Verity’s Cash Back Checking account rewards you for using your debit card! Earn 2% back on the first $250 in debit purchases each month—that’s up to $60 each year.* Plus, get unlimited refunds on domestic ATM fees from other banks.
To earn your rewards, just make sure the primary accountholder does these simple things each monthly qualification cycle:
- Have at least 12 debit card purchases post and settle
- Receive eStatements
- Log into Digital Banking
Most of these things, you’re already doing. But even if you don’t qualify one month, no need to worry. Cash Back Checking is always free, and you can easily get back to earning your full rewards the very next cycle!
Open Cash Back Checking Now -
Cartwheel Checking
Verity’s Cartwheel Checking account is our most popular account, with an interest rate of 0.50% APY* on the first $10,000 in the account, and unlimited refunds on domestic ATM fees from other banks.
To earn the reward rate and ATM fee refunds, just make sure the primary accountholder does these simple things each monthly qualification cycle:
- Have at least 12 debit card purchases post and settle
- Receive eStatements
- Log into Digital Banking
Most of these things, you’re already doing. But even if you don’t qualify one month, no need to worry. Cartwheel Checking is always free, and you can easily get back to earning your rewards the very next cycle!
Open Cartwheel Checking Now -
Verity Checking
Verity Checking is a free checking account that gives you easy access to your money without any hoops to jump through.
Use it as your primary checking account, or pair it with a Cartwheel or Cash Back checking account and use it as a secondary account.
Open Verity Checking Now
*APY=Annual Percentage Yield. No minimum to open. Limit one (1) rewards checking account per primary accountholder. Rewards checking accounts include Cartwheel Checking and Cash Back Checking accounts. To earn the reward rate or cash back and ATM fee refunds, the primary accountholder must meet the monthly qualifications. For Cash Back Checking, if the primary accountholder meets the monthly qualifications the account will be refunded up to 2.00% of the first $250 spent via POS purchases during the cycle. Maximum cash back award is $5 per monthly qualification cycle. For Cartwheel Checking, if the primary accountholder meets the monthly qualifications, balances up to $10,000 earn APY of 0.50%
and balances over $10,000 earn 0.03%
APY on the portion of balance over $10,000, resulting in a range from 0.03%
to 0.50%
APY depending on the account balance. Rewards checking accounts also feature unlimited domestic ATM fee refunds, if monthly qualifications are met. If qualifications are not met in a rewards checking account, ATM fees are not refunded and no interest or cash back reward is earned. A “monthly qualification cycle” is from the last calendar date of the previous month to the day before the last calendar date of the current month (ex. June 30-July 30). Only debit card transactions processed by merchants and received by the credit union as POS transactions count towards qualifying debit card transactions. Transactions must post and settle to account during the monthly qualification cycle to qualify. Debit card transactions processed by merchants and received by the credit union as ATM transactions do not count toward qualifying debit card transactions. Transactions may take one or more banking days from the date transaction was made to post and settle to an account. “Banking day” means any business day on which an office of the credit union is open to the public for the purpose of carrying out substantially all of its banking functions. Cash Back Checking and Cartwheel Checking account rates accurate as of 4/23/25 and may change after account is opened. Must be at least 18 years old to open a rewards checking account. Account approval, qualifications, limits, enrollments and other requirements apply. Qualifications and rewards may vary by account. Read the Truth-In-Savings Disclosure and Fee Schedule - Savings and Checking Accounts.
Checking accounts available to Verity Credit Union members only. If not existing member at time of account application, applicant will be required to establish Prime Share membership account as part of account opening. $5 membership fee is required to join Verity. Fees may reduce earnings on the account
Banking for good
Join Now